Why Use Us

Arranging finance is not easy

We are here to increase your chances of success and of securing the right finance offer for your business needs.

We deal with independent and specialist lenders as well as mainstream banks because this dual approach enhances our success rate, which since June 2000 has averaged 90%.

As well as benefitting from our expertise, and from the practical experience and inside knowledge we gained from having previously worked as commercial lenders, you will benefit from the fairness and transparency we foster in all our dealings.

We handle all types of finance

IBC handles all types of finance, from overdrafts, property finance and commercial mortgages to invoice finance, import/export finance and asset finance.

Click here to see all types of finance we can arrange.

Transparent fees

Unlike finance brokers, we do not accept arrangement fees from lenders, which we believe would be a conflict of interests. It does not seem right to us that someone who is representing the interests of a borrower can be free of conflicts if they are being paid by a lender. Our approach is to agree a fee with our clients instead, which is a much more transparent and reassuring way of working that puts their interests at the forefront.

Learn more about why this may be an issue

It is normal practice for lenders to pay to an intermediary (such as a finance broker) a referral fee for making an introduction to a borrower. However, we believe this creates an obvious conflict of interests and puts borrowers at a disadvantage, because:

There is a risk that a broker will ‘follow the fee’; that is, they will gravitate towards lenders (or finance products) that will pay them the biggest fees rather than towards those lenders that offer better terms to the borrower;
Borrowers have little control over the amount of the referral fee paid by a lender to the broker: in fact, some lenders will even allow the broker to specify how much they would like the referral fee to be!
Any referral fee paid by a lender to a broker still comes out of the borrower’s pocket because the lender will simply add it onto the arrangement fee it charges for agreeing the facility. In other words, if a lender has to pay a bigger referral fee to a broker, the lender will recoup it by charging a bigger arrangement fee to the borrower.

Therefore, rather than accept any referral fees from lenders, our approach is to agree a fee with our client. This is a much more transparent and reassuring way of working that does not disadvantage clients and instead puts their interests at the forefront.

Testimonials

IBC’s straightforward professionalism was reassuring from our first meeting with them. From then onwards, sound advice backed up by hard work, diligence and attention to detail has meant that they have become an integral part of our trusted team of advisers.

R.D. Director, Property Company

We have known of IBC for some time and when our client appointed them to help with the CIBL’s application we knew we could trust them. The client was a complex business with many vested stakeholders who’s own futures depended on them being successful with the CIBL. A challenging deal in terms of quantum and risk appetite, IBC quickly got to understand the operating model, the risks and was able to articulate to the client where the focus needed to be in order to mitigate concerns the bank had. The communication between all parties was first class and it felt as though we were all working for the same team and to get the absolute right result for our mutual client. The end report was absolutely the fundamental reason we were able to get approval for the loan and the value of having such support cannot be overstated.

N.B Area Director, HSBC

I feel better informed and have a better understanding about what our bank is looking for when IBC review our business. It is almost like a translation service so I can confidently present the right information in the right way and so avoid any possible misunderstandings.

Justine Verwey FD, Xtreme Graphics Ltd

10 good reasons to use IBC

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